BTC Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Common stock surplus climbed 41.4% in Q2 2026, from $74.0M to $104.6M. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.35% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $166.1M |
| Tier 1 capital | $166.1M |
| Total risk-based capital | — |
| Total equity capital | $174.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.12% |
| Tangible equity to tangible assets | 8.24% |
| Equity capital to average assets | 9.72% |
| Internal capital growth rate | -64.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $104.6M |
| Retained earnings | $78.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.20% | 8.34% | 7.37% |
| Q4 2023 | 9.02% | 8.72% | 7.78% |
| Q1 2024 | 8.97% | 8.49% | 7.59% |
| Q2 2024 | 8.83% | 8.47% | 7.61% |
| Q3 2024 | 9.01% | 8.87% | 8.07% |
| Q4 2024 | 8.94% | 8.53% | 7.77% |
| Q1 2025 | 8.97% | 8.77% | 8.04% |
| Q2 2025 | 11.32% | 11.20% | 10.50% |
| Q3 2025 | 11.39% | 11.16% | 10.50% |
| Q4 2025 | 11.06% | 10.79% | 10.16% |
| Q1 2026 | 10.99% | 10.60% | 10.00% |
| Q2 2026 | 9.35% | 9.12% | 8.24% |
BTC Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock BTC Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full BTC Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10618) · FFIEC NIC profile (RSSD 1009242)